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How to Budget for a Washer and Dryer Set

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How to Budget for a Washer and Dryer Set

Upgrade your laundry setup for about $94 a month by hitting holiday clearance sales and using a clear timeline to pay it off.

VoAtlas editorial Updated · 3 min read
Typical cost $1,700 before anything else
Across the 0% window $94.44/mo 18 months, no interest

How we got that: $1,700 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A front-load set cuts down your drying time and saves water compared to those old top-loaders. Getting laundry done faster means you spend less time hovering in the utility room on a Saturday morning.

Holiday weekends are your best bet for these appliances. Sales often drop prices significantly, so look for clearance events around major holidays. Always grab quotes from at least three local appliance shops to make sure you are getting the floor price before you commit.

That 0% window is a deadline, not a gift. If you still have a balance after the 18 months are up, the card issuer will start charging interest on whatever is left, which gets expensive fast.

The steps

  1. 01

    Track the sales

    Check store websites in the weeks leading up to holiday weekends. Most retailers publish their clearance ads early. If you see the model you want marked down, call the store to ask if they will match or beat the price.

  2. 02

    Get multiple quotes

    Walk into three different shops or pull up their sites to compare total costs including delivery and installation fees. Use a lower quote as leverage to get a better deal at your preferred store. Hidden fees can quickly inflate your $1700 budget.

  3. 03

    Use the Citi Simplicity® Credit Card

    If you need to spread out the cost, this card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay for the machine over time without interest charges piling up. You will need to manage the payments carefully to finish within that 18-month window.

  4. 04

    Set your payment schedule

    Take your total purchase price and divide it by the 18-month window. For a $1700 set, that is $94.44 per month. Set up an automatic payment for this amount so you never miss a deadline.

  5. 05

    Account for installation

    Check if your hookups are compatible with the new set. Sometimes you need new hoses or power cords that aren't included in the sticker price. Keep $100 aside for these small but necessary extras.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Should I pay for the extended warranty?

Usually, no. Appliances are built with more electronics now, but store warranties are often overpriced and rarely cover what you actually need. Check your credit card benefits, as some offer extra protection automatically.

Is delivery worth the extra cost?

Yes, unless you have a truck and a strong back. Front-load washers are incredibly heavy and sensitive to vibration, so letting the professionals handle the install is worth the fee to ensure the warranty remains valid.

What if I can't pay the full $94.44 one month?

Pay as much as you can, but try to catch up the next month. Missing payments can cause you to lose your 0% offer, meaning you would start paying interest on your remaining debt immediately.

Are holiday sales really cheaper?

Yes, because stores need to clear floor space for new inventory arriving in the next season. Holiday weekends are when they are most motivated to move old stock at a discount.